BlastPoint's Banking Scorecard
First Federal Savings Bank of Washington
Designations: ✓ Community bank ✓ Mutual
Washington, IN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 7 in IN.
- Deposits -0.1% year over year ($73.6M on the books).
- Delinquency rate 2.08%.
- Return on assets 0.50%.
- Efficiency ratio 78.63% vs a 119.40% peer average.
- Loan-to-deposit ratio 98.34% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings Bank of Washington has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 40.77% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Net Interest Margin 0.41% below tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.4M
+2.3% YoY
+1.7% QoQ
|
+$31.9M |
$62.4M
-0.0% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
Top 8.0% in tier |
| Total Loans ? |
$72.4M
+1.0% YoY
+3.1% QoQ
|
+$37.5M |
$34.9M
-0.6% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
Top 4.9% in tier |
| Total Deposits ? |
$73.6M
-0.1% YoY
-2.8% QoQ
|
+$22.0M |
$51.6M
-0.2% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
0.50%
+64.2% YoY
-11.4% QoQ
|
-0.50% |
1.00%
+3.5% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
3.50%
+8.8% YoY
+0.0% QoQ
|
-0.41% |
3.91%
+2.3% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
78.63%
-6.6% YoY
+3.0% QoQ
|
-40.77% |
119.40%
+49.6% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
2.08%
+9.0% YoY
-3.0% QoQ
|
+0.60% |
1.48%
+31.8% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
98.34%
+1.2% YoY
+6.1% QoQ
|
+24.13% |
74.21%
+12.6% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.52%
+14.9% YoY
-2.7% QoQ
|
-7.97% |
23.49%
+0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.59%
+7.7% YoY
-1.7% QoQ
|
+0.76% |
0.84%
+23.0% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.4% in tier |
| Tier 1 Capital Ratio ? |
10.98%
+2.9% YoY
+2.9% QoQ
|
-16.14% |
27.13%
+3.0% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.1% in tier |
| Non-Interest Income / Assets ? |
0.07%
+24.6% YoY
+82.6% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
26% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.5%
+2.0pp YoY -0.4pp QoQ |
-9.1pp | 24.6% | 16.8% | 22.2% | 20% |
| Brokered Deposits |
7.0%
-5.4pp YoY +2.3pp QoQ |
-2.7pp | 9.8% | 7.2% | 8.5% | 54% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.7%
-3.6pp YoY +0.1pp QoQ |
-10.7pp | 13.4% | 11.1% | 12.5% | 8% |
| CRE |
15.1%
-1.6pp YoY -0.6pp QoQ |
-10.2pp | 25.2% | 36.2% | 41.4% | 32% |
| 1-4 Family |
76.9%
+5.2pp YoY +0.5pp QoQ |
+42.0pp | 35.0% | 40.0% | 31.3% | 90% |
| Consumer |
1.7%
-0.2pp YoY 0.0pp QoQ |
-6.0pp | 7.7% | 3.2% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+0.3pp YoY +0.3pp QoQ |
-6.7pp | 17.7% | 13.0% | 12.6% | 28% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+2 (+16.7%) YoY 0 QoQ |
+2 | 12 | 237 | 482 | 67% |
| Assets per Employee ($) |
$6.7M
-12.3% YoY +1.7% QoQ |
+$554K | $6.2M | $7.5M | $8.8M | 62% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.9pp | 1.0% | 0.2% | 0.4% | 14% |
| Nonaccrual |
2.0%
+0.1pp YoY -0.1pp QoQ |
+0.3pp | 1.7% | 0.8% | 1.0% | 76% |
| Allowance Coverage |
0.45x
+1.7% YoY +2.3% QoQ |
-5.96x | 6.41x | 6.71x | 20.23x | 16% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.8%
+1.8pp YoY -0.6pp QoQ |
-1.6pp | 6.4% | 11.2% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY -0.1pp QoQ |
+0.5pp | 1.4% | 1.8% | 1.7% | 80% |
| Net Income ($, YTD) |
$236,000
+69.8% YoY — QoQ |
-$82K | $317,817 | $16.3M | $40.4M | 42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.